Newton One Investments LLC

Item 5: Fees and Compensation
General Fee Information.
Fees paid to N1 Advisors are exclusive of all custodial and transaction costs paid to the client’s
custodian, brokers, or other third party consultants. Fees paid to N1 Advisors are also separate
and distinct from the fees and expenses charged by mutual funds, ETFs (exchange traded funds)
or other investment pools to their shareholders (generally including a management fee and fund
expenses, as described in each fund’s prospectus or offering materials). The client should review
all fees charged by funds, brokers, N1 Advisors and others to fully understand the total amount

of fees paid by the client for investment and financial-related services. N1 Advisors adjusts its
quarterly advisory fee in a pro rata manner, based upon the number of days remaining in the billing
period for any intra-quarter additions or withdrawals.

Portfolio Management Fees.
The annual fee schedule, based on a percentage of assets under management, is as follows:

                                 First $1 million            0.95%
                                 Next $2 million             0.90%
                                 Next $2 million             0.80%
                                 Next $5 million             0.70%
                                 Beyond $10 million          0.50%

N1 Advisors does not impose a minimum annual fee. N1 Advisors may, at its discretion, make
exceptions to the foregoing or negotiate special fee arrangements where N1 Advisors deems it
appropriate under the circumstances. Please note, N1 Advisors includes the value of certain
month or quarter end interest or dividend payments when calculating client fees. Because these
payments may be credited to the appropriate account subsequent to the issuance of the
applicable brokerage statement, the market value reflected on the client brokerage statement
may differ slightly from the value used in N1 Advisors’ fee billing process.

Please Note: Conflict of Interest. N1 Advisors may compensate certain of its representatives
based upon the revenues derived from accounts that they service. The representative generally
maintains the authority to determine/negotiate the percentage advisory fee. Thus, a conflict of
interest is presented because the higher the advisory fee, the greater the representative’s (and N1
Advisors’) compensation.

Custodian Charges-Additional Fees. As discussed below at Item 12 below, when requested to
recommend a broker-dealer/custodian for client accounts, N1 Advisors generally recommends
that Schwab serve as the broker-dealer/custodian for client investment management assets.
Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other type
fees for effecting certain types of securities transactions (i.e., including transaction fees for
certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.).
The types of securities for which transaction fees, commissions, and/or other type fees (as well
as the amount of those fees) shall differ depending upon the broker-dealer/custodian. While
certain custodians, including Schwab, generally (with exceptions) do not currently charge fees on
individual equity transactions (including ETFs), others do. Please Note: there can be no assurance
that Schwab will not change its transaction fee pricing in the future. Please Also Note: Schwab
may also assess fees to clients who elect to receive trade confirmations and account statements
by regular mail rather than electronically.

ANY QUESTIONS: N1 Advisors’ Chief Compliance Officer, Ryan Gwinn, remains available to
address any questions that a client or prospective client may have regarding the above.

Fee Dispersion. N1 Advisors, in its discretion, may charge a lesser investment advisory fee, charge
a flat fee, waive its fee entirely, or charge fee on a different interval, based upon certain criteria (i.e.
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets
to be managed, related accounts, account composition, complexity of the engagement,

anticipated services to be rendered, grandfathered fee schedules, employees and family members,
courtesy accounts, competition, negotiations with client, etc.). Please Note: As result of the above,
similarly situated clients could pay different fees. In addition, similar advisory services may be
available from other investment advisers for similar or lower fees.

ANY QUESTIONS: N1 Advisors’ Chief Compliance Officer, Ryan Gwinn, remains available to
address any questions that a client or prospective client may have regarding advisory fees.

Pension Consulting Fees. Pension consulting fees charged by N1 Advisors for plan design and
consulting (e.g., Defined Benefit, Profit Sharing, Age-Weighted, etc.) are negotiable based on the
scope of services to be rendered and the overall size of the plan, among other factors. N1
Advisors may be engaged to perform an annual review of the plan's design and structure for a
separately negotiated fee. If N1 Advisors invests the plan's assets or is retained as Plan advisor,
it charges either: (1) a negotiated flat fee; or, (2) a fee ranging from 0.18% to 1.00% of the value
of the Plan’s assets. Pension consulting fees are paid monthly or quarterly, in arrears or advance,
as agreed upon by N1 Advisors and the client.

Other Compensation. N1 Advisors does not receive any additional or other compensation.

ANY QUESTIONS: N1 Advisors’ Chief Compliance Officer remains available to discuss any
questions that a client or prospective client may have between the difference in services offered
by N1 Advisors.

Item 7: Types of Clients
N1 Advisors serves clients including individuals, high net worth individuals, retirement plans, and
trusts.